About the Client
Axio is a financial services platform formed from the unification of Capital Float, Walnut, and Walnut369 — bringing together money management, buy-now-pay-later, and personal credit. The name comes from the Greek "axios," meaning "worthy," reflecting the company's mission to make credit accessible and valuable for everyone.
Business Challenge
- Data mismatches between customer-provided information and submitted documents.
- Transactions getting stuck after KYC completion, blocking customers from completing payments.
- Name discrepancies between customer registration and bank, PAN, or Aadhar records.
Solutions Provided
- KYC management covering DOB mismatches, missing documents, and PAN/Aadhar name-matching verification at the point of registration.
- Operational troubleshooting for notification/activation failures and stuck onboarding screens.
- Compliance and security: all customer data encrypted or masked, with strict internal/partner data-sharing boundaries — partners receive business statements only, never customer data.
Results & Benefits
- Fully RBI-compliant, verified NBFC operations, integrated with major payment gateways including Razorpay, JusPay, and Pine Labs.
- A seamless credit experience — instant access to credit, easy EMI repayment, simple expense tracking for customers.
- 100% compliance with RBI and other regulatory standards, with fewer data entry errors and stronger trust in customer data systems.
- Real-time microservice analytics helping the business anticipate customer credit and loan needs.
Technologies & Tools
AWS CloudWatch RDS EC2 PostgreSQL MySQL Java Python Microservices
Conclusion
Deltacubes' ongoing operational support helped Axio run a compliant, reliable credit platform — strengthening both regulatory standing and the day-to-day customer experience.